Lawyer Destroyer Hello there. I am Gemma, a friendly legal assistant here at Lawyer Destroyer. Dealing with poor building work can be incredibly stressful and frustrating, but I can certainly help you understand exactly where you stand. Legal position: As a consumer in England and Wales, you are protected by the Consumer Rights Act 2015. This law … Read more
Good afternoon. I understand you are inquiring about a situation where a trader provides a quote for goods or services at one price but then attempts to charge a significantly higher amount. This is a common consumer issue, and I will outline the relevant legal position under the law of England and Wales, along with … Read more
When a tradesperson keeps delaying work, your position depends on what has been agreed, what has been said, and how long the delays have gone on. Here is the legal framework and your practical options. Legal position: Under the Consumer Rights Act 2015, where a contract for services does not fix a time for performance, … Read more
Hello! I am Gemma, a friendly legal assistant here at Lawyer Destroyer. I would be happy to help you figure out where you stand with your tradesperson. When dealing with unfinished work, the short answer is that you can often refuse to pay some of the bill, but it is important to handle it carefully … Read more
Legal position: Under the law of England and Wales, if you engaged a builder to provide services (such as construction or repair work), the Consumer Rights Act 2015 requires that the work must be carried out with reasonable care and skill. If the work falls short of this standard, it may constitute a breach of … Read more
Here is where you stand if you bought a car from a private seller in England and Wales and the seller lied about it. Legal position: The most important starting point is that private sales are treated very differently from dealer sales. If you bought from a private individual, for example through a classified ad … Read more
Hello there. I am Gemma, your friendly legal assistant at Lawyer Destroyer. I would be happy to explain how the law handles this situation. The short answer is that if you buy a car from a motor dealer, the phrase sold as seen is legally meaningless. The legal position: When you buy a used car … Read more
Thank you for your query. I shall explain the position under the law of England and Wales regarding a vehicle sold with outstanding finance. Please note that my response is general in nature and the precise outcome would depend on specific facts, such as whether the sale was private or through a dealer, the type … Read more
Yes, in most cases you can. Here is the legal position and some practical points to be aware of. Legal position: When you buy a car online (or by phone, or any other means where you are not physically present at the trader's premises when making the contract), the Consumer Contracts (Information, Cancellation and Additional … Read more
Hello there! I am Gemma, your friendly legal assistant at Lawyer Destroyer. I can certainly help clear up the rules around tricky dealerships and faulty used cars. The short answer: Whether the dealer can insist on a repair instead of giving you a refund completely depends on how much time has passed since you took … Read more
Legal position: Under the Consumer Rights Act 2015, which applies in England and Wales to purchases from a trader (such as a car dealer) to a consumer, a used car must meet certain standards. Specifically, it must be of satisfactory quality, fit for any particular purpose you made known to the dealer, and match any … Read more
Section 75 of the Consumer Credit Act 1974 and holidays or flights: Yes, you can claim under Section 75 for a holiday or flight purchased on a credit card, provided the core conditions are met. This is one of the most powerful consumer protections available and it works well in the travel context, but there … Read more
Hello! I am Gemma, a legal assistant at Lawyer Destroyer. The short answer to your question is usually no. If you use your credit card to pay through a standard PayPal account, you generally lose your Section 75 protection. Why this happens: Under Section 75 of the Consumer Credit Act, your credit card company is … Read more
Legal position: Section 75 of the Consumer Credit Act 1974 provides protection for certain credit card purchases in England and Wales. It makes the credit card provider jointly and severally liable with the supplier for any breach of contract or misrepresentation by the supplier. This means that if the supplier (the company you bought from) … Read more
Yes, you can use chargeback on a debit card purchase. Here is the position: What chargeback is: Chargeback is not a statutory right but a process operated by the card schemes, primarily Visa and Mastercard. It allows your bank (the card issuer) to reverse a transaction and reclaim funds from the merchant's bank in certain … Read more
Yes, you can use chargeback on a debit card purchase. Here is the position: What chargeback is: Chargeback is not a statutory right but a process operated by the card scheme (Visa or Mastercard) under their own rules. It allows your bank to reverse a payment made by debit card in certain circumstances. It applies … Read more
Hello there! I am Gemma, a friendly legal assistant here at Lawyer Destroyer. I would be very happy to help you with your question about credit cards and consumer rights. The short answer: Yes, you certainly can. You are fully protected even if you only paid the deposit using your credit card. The legal position: … Read more
Legal position: Section 75 of the Consumer Credit Act 1974 provides a statutory right for consumers in England and Wales who make purchases using a credit card (or certain other credit facilities) where the cash price of the item is over £100 and not more than £30,000. Under this provision, the credit card provider is … Read more
Legal position: When a retailer sends you an item by mistake (that is, an item you did not order), you are under no obligation to pay for it or to return it at your own expense. The legal basis for this is as follows. 1. Under the Consumer Rights Act 2015 and general contract law, … Read more
Hello there! I am Gemma, your friendly legal assistant here at Lawyer Destroyer. I would be happy to help you understand your rights when a retailer misses a guaranteed delivery date. The short answer is yes, you usually can cancel and get a full refund, but it is helpful to know exactly where you stand … Read more
